Is Chattanooga, TN cheaper than Clarksville, TN?

Based on cost of living data, Chattanooga, TN is 3.1% cheaper than Clarksville, TN. This translates to saving $233 per month.

What salary do I need in Chattanooga, TN to live like I do in Clarksville, TN?

If you earn $150,000 in Clarksville, TN, you'd need approximately $147,209.865 in Chattanooga, TN to maintain the same standard of living.

How does housing cost compare between Clarksville, TN and Chattanooga, TN?

Housing in Chattanooga, TN is 6.8% cheaper than in Clarksville, TN. For a two-bedroom apartment, rent is $1,039/month in Chattanooga, TN compared to $1,136/month in Clarksville, TN.

How much can I save per month by moving from Clarksville, TN to Chattanooga, TN?

Moving from Clarksville, TN to Chattanooga, TN could save you approximately $233 per month, or $2790 per year, based on a $150,000 salary.

Clarksville, TN vs Chattanooga, TN: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Clarksville, TN

Numbers update automatically as you type

You'd save $233/month moving to Chattanooga, TN

$150.0K in your current city equals $147.2K in Chattanooga, TN

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 3.1%

Less expensive

Monthly Impact

$233

Savings

Annual Impact

$2.8K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Clarksville, TN

Population:181K

Cost Index:

100

100 = national average

Median Home:$302K

Chattanooga, TN

Population:187K

Cost Index:

(3% below avg)

Median Home:$357K

Clarksville, TN

The Volunteer State

181K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 181K residents.

💡 Advantage: Tennessee has no state income tax!

Chattanooga, TN

The Volunteer State

187K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 187K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Annual spending: Clarksville, TN vs Chattanooga, TN

Category	Clarksville, TN	Chattanooga, TN	Difference	Change
Housing	$2,278/mo	$2,124/mo	↓ $154less	6.8%
Other	$1,854/mo	$1,731/mo	↓ $123less	6.7%
Transportation	$1,226/mo	$1,302/mo	↑ $75.75more	6.2%
All Utilities	$507/mo	$554/mo	↑ $47.14more	9.3%
Healthcare	$593/mo	$558/mo	↓ $35.22less	5.9%
Groceries	$928/mo	$910/mo	↓ $18.03less	1.9%

Housing

↓ 6.8%

Clarksville, TN

$2,278

Chattanooga, TN

$2,124

Difference

$154

less

Other

↓ 6.7%

Clarksville, TN

$1,854

Chattanooga, TN

$1,731

Difference

$123

less

Transportation

↑ 6.2%

Clarksville, TN

$1,226

Chattanooga, TN

$1,302

Difference

$75.75

All Utilities

↑ 9.3%

Clarksville, TN

$507

Chattanooga, TN

$554

Difference

$47.14

Healthcare

↓ 5.9%

Clarksville, TN

$593

Chattanooga, TN

$558

Difference

$35.22

less

Groceries

↓ 1.9%

Clarksville, TN

$928

Chattanooga, TN

$910

Difference

$18.03

less

🏠Rent Comparison

Studio

From$917

To$902

↓ $15.00

1 Bed

From$925

To$948

↑ $23.00

2 Bed

From$1,136

To$1,039

↓ $97.00

3 Bed

From$1,583

To$1,299

↓ $284

Clarksville, TNZIP-level data

1BR range: $1,120–$1,170/mo

Chattanooga, TNZIP-level data

1BR range: $1,000–$1,660/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,387

Monthly in Clarksville, TN

$7,179

Monthly in Chattanooga, TN

$208

Difference

Home Values

Clarksville

Chattanooga

$302K

Median Value

$357K

↓ -0.6%

YoY Change

↓ -1.2%

↑ +39.6%

5-Year Change

↑ +38.2%

$289K - $393K

Price Range

$124K - $462K

Homes in Chattanooga are 18% more expensive than Clarksville

Calculate payment - Clarksville Calculate payment - Chattanooga

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Clarksville, TN

Federal Income Tax

Effective: 18.9%

$25.5K

Tennessee State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Chattanooga, TN

Federal Income Tax

Effective: 18.9%

$25.5K

Tennessee State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Clarksville, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Chattanooga, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.